Navy Federal Credit Union Reviews

Every interaction with Navy Federal reps has been positive. Reps are well trained, professional and helpful. Navy Federal was willing to handle certain issues over the phone when my previous bank required an in-branch visit.

The best C.U. there is! They offer ATM fee refunds up to $10 per month and have raised the ATM withdraw limit to $1000. Always thinking of their members. Easy to join and enjoy their benefits. When I opened a business account with them the assistant went out of her way to see that everything was just right for my particular situation.

Navy Federal Credit Union has been a top rated institution since joining 3 yrs ago. I had a bank that charged me for everything, but Navy Federal Credit Union doesn't charge all of those fees. I'm really satisfied with their services.

I have been with Navy Federal for 15 years. They have denied me a car loan, and given me personal loans at horrible rates. My credit rating is incredible, yet I can't help but notice one thing I keep getting flagged on: young account. 15 years old, YOUNG?? Finally, they blocked my car just because I was using Google pay. I am done with Navy Federal. They are just as abusive towards veterans as the VA.

I sold my house and purchased a new home in April during this pandemic. My previous mortgage company was SunTrust and I decided to go with Navy Federal. I was little put off by all the reviews but it was a great experience and better than my previous one. Everything was done online, but I still had a great contact and follow up with the Navy Federal Team. Everyone followed up timely, provided great explanations, and guided me through the process. Even the underwriting team was wonderful which is not a typical experience. I cannot recommend them enough. The portal for loading and receiving documents is easy to understand and very detailed. The support was great and I even had follow up calls after hours. Definitely A+ effortless experience.

We have 5 accounts with NFCU, personal, business, credit etc.. Went in to my local branch yesterday *Bel Air* after being shut in for 12 weeks, so it was a necessity, we are running a business... Long story short.. the door was locked, they didn't want us to come in, they let 1 person at a time.. I was asked what I wanted, and The response I got was "use the atm"! "Excuse me, no.. I need to come inside".. If you are this strict, how about state that on your website??? After all, even the grocery store lets 10 people in and have smiling faces, this lady acted like everyone is getting on her nerves.. It's our MONEY??? Last time I checked??!!

Do not go to NFCU for mortgage loans!!! They advertise rate match but no one goes out of their way to get the rate matched! They use all sorts of excuses to explain why they failed as if they don't want your business. Go to Prosperity Mortgage instead, you will be glad you did!!!

Highest rates, horrible customer service. As soon as I can get away from this company, I am taking my business elsewhere. I'm active duty, almost 14 years, never dealt with a "military friendly" company like this one. DO NOT USE NFCU. Go to your local CU. These guys are not pro-military.

I applied for a credit card in January 2020 before all of this pandemic stuff start going on and I was shockingly approved for $9,700. 3 months later in April 2020 I got a email from NFCU saying that they were automatically raising my limit by $500 bringing my credit line to $10,200.The next month in May of 2020 I applied for a pandemic relief loan and was approved for $5,000 with a very good interest rate and option to pay back over 2 years. My credit is not that great 580 Equifax to 650 Transunion. I do have a recent bankruptcy from 4 years earlier in 2016 and they still approved me for everything above. I really like this credit union because they really try to satisfy the customer's needs, and thankfully to God at those times I was the customer whose needs they were meeting.

I have been a client of this bank for about 5 years, I pay monthly all my bills and don't bother them. Covid-19 hit and I was laid off my job, I found another that paid about 80 percent less and am barely getting by with it. I called asking for an extension on my credit card for 200 dollars so I could pay my lights and get food for me and my child. They declined and declined a pandemic relief loan. I cried and begged them to help and they could have my full 300 dollar check come a week from now. They still declined. This is a bank who is denying assistance to starving, struggling members amid a pandemic they did not create. They do not care. They will not help.

I should've known we were heading for trouble when the Buyer's loan officer began our conversation by telling me all the things her company couldn't or wouldn't do. "Our loans are taking a minimum of 60+ days to close!" she relayed from her script. "Thanks!" I replied. "I look forward to working with you too!" Back on February 20, 2020, one of my Seller clients (a nice active-duty Navy family) went under contract with some Buyers who also happened to be an active-duty military family. The Buyers were using a VA loan through Navy Federal Credit Union. Our transaction was scheduled to close by March 26th. We navigated through the home inspection, which revealed that the roof was at the end of its effective service life and needed replacement. Several qualified 3rd party contractors confirmed that assessment, and the Sellers agreed to have the roof replaced prior to closing.

Take it from me! Do not ever do a overdraft or line of credit that they call it with Navy Federal. It is my fault but when you need money and help because you're down and out and struggling you have no choice but to go to a bank. I have been paying on this line of credit since I was 18 and today I am 27 years old. No matter how much you pay Navy Federal charges 71.25 for a finance charge which is ridiculous. To be honest I will never be able to pay this off unless I hit the lottery and that is the truth.

Due to Covid-19, I recently lost my job, withdrew my retirement account just to pay off the balance on the line of credit checking with NFCU and learned that NFCU only cares about charging their members interest during this unfortunate time. A customer service representative who handled the COVID-19 member assistance offered me to open another loan account with low interest. Unbelievable as we are not in this together since NFCU only cares about making their profits even when all of us are dealing with the horrible pandemic.

First off, I see a lot of bad reviews for the mortgage process with NFCU. I also see some good reviews. I wanted to offer my experience that I went through before I completed my refinance on my home. It’s was not all good, but not all bad either, but in the long run I was happy and satisfied with what I received, which is why I gave a 5 star rating.

How a company with 1 and a half stars overall on this site can get first 5 reviews on this site at a perfect 5 stars tells you a lot. The bad reviews are the same problems I had 2 plus years ago when I first signed up with them and applied for a HELOC, Home Equity Line of Credit. They still haven't learned or refuse to correct their mistakes and keep making them. A recent call confirmed they're the same horrible customer service when a Representative decided to argue with me over the phone. He wanted me to put my concerns in writing...I'm now doing so, but not for them as I'm supposed to be recorded. Doubt it. They are the worst credit union in the country and all you have to do is look up their reviews. Do it.

The ABSOLUTE WORST EXPERIENCE with Navy Fed refinance/mortgage/loan department I could have possibly imagined. We started the refi process in October 2019 with a 60-90 expectation for completion. After 4 loan officers, several times resubmitting our paperwork because they kept losing or misplacing it, paying for an appraisal, paying for a termite inspection, two credit checks later because they took so long to process our loan that the first one had expired, so many phone calls with no response, waiting, waiting, waiting not to mention the lack of availability of the loan processing department to even discuss our refi....

NF really hated their 1 customer, the military. I know this because when I deployed last year I had a crap experience with them. I contacted my lenders and every one of them adjusted my rate to be in compliance with the SCRA law except one. Yep, you guessed it, Navy Federal. I called them over 10 times and emailed them 23 times to correct but got no ones here during the entire deployment. When I did get them on the phone l, they said they were " seamoed" and didn't have enough help.

NFCU was outstanding! As a US Navy veteran, I was very pleased with the professionalism of the loan processor department. I and my wife filled out the paperwork according to their instructions-which they communicated very clearly and within a week we had a new mortgage. Much, Much better than TIAA Bank (which was terrible in my opinion)! NFCU offered better rates and less hassle!!

I am always wary of negative reviews for any product or service. I will start by saying, I never write negative reviews - ever. I just went through a terrible experience with NFCU for a refinance and want to warn anyone else considering it. I have excellent credit. Have owned my home for 10 years with NFCU holding the mortgage. I have never missed a payment and have an excellent loan to income ratio. I applied in January 2020 for a refinance. Over the course of January - March I have been extremely frustrated with the communication or lack of from NFCU. NFCU uses 2 applications for their mortgages. HomeSquad and Document Delivery. These two applications do not talk to each other. They send conflicting information via emails on a daily basis.

No special offers to veterans. Not even a better interest rate of the loan, no different from other lenders though some lenders have better offers. Their customer service is as bad as their interest rates even with a good credit score.

We used to have TIAA Bank as our mortgage lender. I didn't like them! Their system made it very difficult to pay the bill and communicate effectively with them. My husband served in the US Navy and when he contacted NFCU, they made things easier for me since he gives me the $$$, and I pay the bills. NFCU offered us a better rate and more professional service. We didn't even have to leave our home for the closing. The lawyer came to us!!

It was the better of the two experiences I've had. Freedom Mortgage was the other experience, which was horrendous. When I went to refinance, I tried to use them first and they hung up on me the first time and didn't call me back when I left a message the second time. I can't wait to buy another house to use NFCU again.

Nobody knows what to do, offering the absolute worst in customer service while doing it. Automatically doing things that were not authorized is what lead this company into class action lawsuits in the first place. My initial email message to NFCU was asking HOW to close my accounts, NOT telling Navy Federal to close my accounts....but they went ahead and did it without confirming anything with me. Didn't even verify my identity. Instead, they went ahead with whatever they felt like and cut a check to me - sending it to my old address. Just a nightmare to deal with. Reading is fundamental.

I've been a member for over 30 years. Currently have a mortgage with NFCU. Purchasing a new construction and selling current home. Completed and submitted all required documents. Was unable to contact processor: "She's off today; She out of the office today; Leave a message." Went to a branch and they looked at me like I had a third eye. Very unplesant experience. Income over 100k, disapproved for new mortgage. Since then I have been approved by 2 different banks for the same mortgage. Closing soon on my new home with an excellent rate. It seems that NFCU, wants to laden you with junk debt; cars, personal loans etc. As soon as I close, I will pay off my credit card and vehicle and will not use them for my primary banking again. NFCU you've got to do better! Shame on you!

20 years relationship is over. I start this by saying that in years past I have enjoyed many good seasons with Navy Federal, but the last few years have undone every good experience. My first problem occurred several years ago when I was selling my home. Mind you that I purchased that home in 2004 and made every payment on time except that final one which I had called and discussed with them. The house was in Florida and closing was put on hold for a hurricane passing through. Because all of the documents were awaiting signature, I told the representative that I was not posting that payment due to a sale in progress. They still tacked a delinquency on my credit. Mind you I weathered the housing market crash and pretty well took a breakeven deal to honor my commitment to them.

DO NOT USE NFCU FOR A MORTGAGE LOAN - REGARDLESS OF THE RATES!! I decided to apply for a mortgage refinance through NFCU due to their competitive rates. I started the process early November of 2019 with the understanding that it would take approximately 80 days to close (it sounded like a warning from one of the managers but I could wait for that period of time). We are beyond 90 days and I am still waiting to finalize what shouldn't be a complicated loan (excellent credit score and LTV).

I am a veteran and joined with the intention of assuming an existing VA loan which was non-performing. After 10 weeks of different depts. I decided I would pay cash and the hell with Navy Federal and their complete incompetence. Absolutely the worst customer service and experience I have ever had at any financial institution. I have a 800+ credit score and the loan I was striving to assuming was non-performing. It seemed they would rather foreclose than have someone pay them on time.

Every day you hear about banks being broken into left and right. It's not that the hackers are so clever that they can hack a system in a matter of time. It's the fact that banks like Navy Federal Credit spend close to nothing on securing your information. As a merchant, we received 2 credit cards that we knew were stolen. We contacted them in 1 week from the two attempts. So being responsible we contacted Navy Credit Union to report them as possible fraud, and navy federal credit union did nothing to stop the card from being used even though we were suspicious and knew it was fraud. They refused to at least contact the cardholder and ask them. They refused to put the card oh hold. Both times they gave us bs responses as if they dont care.

Please save your own time and skip NFCU for your mortgage. Attempting to complete a mortgage approval is insanely tedious. Does anyone even work in the Processing Department? At every turn they want you to do the work that they are supposed to be doing. My refinance completely stalled because they used my contact address in place of the refinance property address. This was a loan initially from NFCU!! They wanted every document again from the inspections, HOA, etc because the development wasn't approved for lending!? How can it be, you ask? It's as if this department is a completely isolated and independent contractor with no internal links to NFCU.

The loan department at Navy Federal Credit Union is the worst ever. They lie to you and they treat you terrible. When they do make a mistake which is often they blame you for the mistake and then can't fix it and they act like they are doing you a favor by just doing their job. If you are looking for a credit union run from navy federal.

I have banked with NFCU for 5 years and have never had an issue with their basic products such as checking, savings, and CDs. Their mortgage department is however an entirely different issue. It very well may be that I had a bad loan team assigned to me but from my experience the loan officer would take two weeks at the least to return my phone calls or emails. I would have to directly message her supervisor in order to get a response on documents that were never sent to me.

Navy Federal Credit rep Caleb ** (800) 336-3767 x ** sent me a settlement offer dated November 30, 2019. I have been unemployed with no benefits for over a year and was unable to pay my credit card debt of $4900. ** offer was to settle the debt for around 12-hundred dollars to which I agreed. During this time my father died and left me an inheritance which I had moved into my Navy Federal Credit Union Savings account. Rather than honor the standing offer, ** took the full amount due from my account and was basically short and rude as to his motives.

I have been a member of the Navy Fed for 50 and 1/2 years I was given an est of rates and terms on 7/21/19, at least 30 documents were submitted over a period of 4 months. I made several trips to the local branch where the local branch rep was friendly and helpful. I made the visits to make sure the loan officer got the documents she asked for to process. There were at least 3 times where we had to resend the documents. I called the loan officer and her supervisor at least 17 times and left messages to find out a status or find out if they needed any information.

I am a full time home renovator. I have been for over 15 years. I will no longer accept buyers who use Navy Federal as their lender. This is the 2nd deal to take more than 60 days to close, double the time of any other bank. Not to mention the constant and unnecessary drama. Both fell apart last minute. A surprise to the buyer and seller. The loan officer would not return calls, emails or text messages from the title company or sellers agent. COMPLETELY uncommunicative. The transaction cost me, the seller nearly 3K more and left the buyer homeless. Navy federal caused 4 contract extensions. Why, the lender was not ready despite having double the time other banks take.

NFCU's customer service from the Call Center is terrible. On 24 Dec 2019 I needed to help my dad to delete his monthly automatic transfer to me. My name isn't on his account and he speaks a very little English. In the past the representative first verifies name, birthday and last-4 with my dad, then speak to me after his permission, this process takes just few minutes. When I made the first call and the phone was on speaker with my dad sat next to me. I stated this issue right away. The representative Sarah immediately refuses to speak to me, knowing I'm also the member of NFCU, she then started very arrogantly speak to my dad with tons of English plus complicated grammar, instead just a simple ask "what is your name Sir....." What an ignorant move. Of course my dad didn't understood her English, she then took her a long while to finally found an interpreter.

I was attracted to Navy Federal’s 3.45% 12 month CD, so I decided to apply for membership. I applied online. Two days later, I received an email requesting documentation to prove my identity. The email had a secure link that offered I could upload the documents and send them to Navy Federal. I sent them a color copy of my U.S. Passport, a copy of my SOFA Card (I am currently working abroad on base), my most current paystub proving I qualify for membership, an envelope from my bank on base here showing my APO address, my U.S. Forces Certificate of License, my OR state Driver’s License, my marriage license to prove a name change, even though my name had already been changed with the Social Security Administration before I left the States, my new last name was on all my documents and they all matched. But it still was not good enough for Navy Federal.

I have been with Navy Federal Credit Union for Over 35 years. Credit card is great! Prior dealings With mortgage loans were good 2001. This last time was terrible. Applied in late May for a refinance. I have a 840 credit score with little debt ratio. Should be a easy loan. They told me that they were experiencing high volume of applications and that my Loan should take 60 days. No problem for me. I can wait 60 days. Well. 100 days later I was still waiting. I was told my processor had a family emergency. With took 14 days. Later I was told my processor had A hard time verifying my employment. So I called and got instructions for her, letting her know she had to ask to be transferred to Human Resources and from there they will verify my employment. Another 30 days passed and she was still stuck on the same step.

I was skeptical at first to move my money from one bank to a new one, but I am glad I did! The Customer Service, which is what I was lacking at my previous bank has been phenomenal. Whether I am calling or visiting a branch, the customer service has been amazing. I have had some credit issues and struggles and I decided one night I was up late to apply for a CC and I shouted so loud when I found out I was approved with a big credit limit. They do believe in 2nd chances and I will sure treasure this opportunity and not mess it up.

Applied to refinance in September 2019 and could never get in contact with Angela **, my loan officer nor her supervisor. Jason from the Vienna, VA office attempted to answer general questions but specific questions needed to be addressed by Angela who never responds. I decided to go with the HELOC on November 19th and spoke with Lionel in the Vienna, VA office. I had been attempting to follow up with a status since then and I finally got in touch with him today and he informed me that my HELOC process has not started!! You HAVE TO BE KIDDING ME!! This is how an Agency geared to serve VETS treat their customers?!?!

I was planning to provide a review after our loan process was complete, but cannot wait any longer to write this review. I've had an NFCU account since I was 9 (both parents were in the Navy, plus other family members, I worked for the Navy so I am very, very pro Navy). My husband and I are fortunate enough to own our home. We are fortunate enough to have an opportunity to buy some land and the best route for financing the land seemed to be a home equity loan. We applied in October and uploaded more documents than I have ever had to give for a loan.

Like so many of the reviews I've read AFTER I started the refinance process through NavyFed, my experience dealing with them has been a nightmare. You can never get them on the phone, they do not return calls (not even the supervisors), they do not return emails, and you will NEVER know the status of your loan. One day we are given an interest rate of 3.75% and $7,500 in closing cost and the next interest rate of 4.99% and now $28,000 in closing cost! Our closing date came and went and still nothing from them. They do not seem to appreciate the customers they have or care to get new ones. We do all our banking through them and have been for over 19 years. Do yourself a favor and check out other companies that appreciate you and your business.

I start my refinance on September 21 this year, no follow up at all... One email to let you know you have started the process and time frame. After that an automated email document request and expiration date follow for upload. This is the first time I try to get an answer, send email. No respond... Call. Nowhere to find my loan officer. Just leave a message. Try to lock the rate. I couldn't do that either nor confirmation if anyone got my email request. Very unusual!!! I request supervisor to see my case. I have been told someone will call, never got a call back. This guys so busy not to responded anything at all.

I opened a checking account in 1990. For 18 years, I thought they were the best financial institution in the world. Rates were better than others and great customer service. That has changed. When I speak to their customer service department about issues, I don't feel the same level of respect and the reps do not seem as knowledgeable. For example, I called to ask a specific type of mortgage. In order to get the information, I was told to fill out an application and pay a fee. I called back a few times after and finally got the answer I needed. With all of the new payment processing and electronic accounts, issues happen. I called about specific charges and I felt like I was a bother. If I call other places like AMEX or Capital One I feel like a valued customer. They do everything they can to keep you happy. That is the way NFCU use to be. That is no longer the case. Shameful.

Never use this company for a VA home loan. I'm a Realtor with 13 years experience and over 500 transactions. This is by far the worst lender I've ever dealt with. They won't even communicate with their client (a veteran) much less keep me informed as how the transaction is going. NEVER USE!!

I’ve read a lot of these reviews and I’m shocked! My family experience has been great! I constantly get alerts on my phone when a charge is made. My eDeposits are available immediately, customer service is super friendly. Why I stayed? I had (still do USAA for YEARS). 4 years after my bankruptcy they denied me getting a credit card so I can reestablish credit, & denied my loan for a mortgage (1st time buyer). Seems I'm only eligible to buy whatever products they’re selling. I’m only keeping USAA because my direct deposit is available early.

821 Credit score. Applied for mortgage refinance last July and completed all paperworks at the same month. It is now Nov13 and still waiting for closing date. Telephone calls and emails are mostly ignored.

NFCU is a predatory lender with sneaky and underhanded policies designed to lure veterans in to reach unachievable financial goals. My year old credit card has been paid on-time and over the minimum for 12 months. 12 months ago I was informed by a Supervisor that if I does just that my interest would be reduced to something more manageable. I currently am paying 17% APR and me and my wife are struggling to keep up with this payment because of the high interest. But nevertheless, we have been on-time and well over the minimum payment with both the credit card and the mortgage.

We started our refinance process in June. Turned In every paper/document they asked us for within a 24 hour period. Our agent would not return our calls without us including his manager on the email. They had no idea about solar loans or the subordination process with solar loans. Which I emailed to the agent. He ignored the documents and told us not to worry about that. It is now November and we still have not closed, nor will we. Because of their incompetence we are having to change lenders. They wasted 6 months of our time, charged us fees (that could’ve been avoided). Do yourself a favor and choose a different lender.

I’ve read the prior reviews and my complaint is exactly the same. This is ridiculous. I had unauthorized transaction on my card. I called, waited 20 mins to speak to rep, just for her to say call the company first...I was confused but I didn’t want to any friction so called the company who said they would reverse and I also needed to wait for their email. Well I didn't see credit or email, which email not takes no days so I called my bank back to get the disputed going and credit since I just put the money in Navy Federal to cover car and rent..But the unauthorized fee that came out will make my car payment short.

Unfortunately, this company does not always respect closing deadlines when their clients purchase a home. Not only does this affect their clients in a negative way, but it can potentially affect other people as well. Often times buyers have moving trucks lined up, other closings that can not close until their mortgage closes, etc.... It creates so much stress for so many people when lenders are disrespectful and refuse to honor closing dates. I truly hope I never have to work with your company again.

I agree with the other previous reviews about the customer service and lack of communication. As a military veteran, I would excited to bank with a credit union designed to service military. Well, they do a very poor job of it. Just to open an account takes a great deal of work because their communication is completely inadequate. They provide wrong information and ask you to send sensitive information to emails and fax numbers that are apparently not working or monitored. I had a NFCU credit card, which I just closed, because of horrible policies and lack of customer service. I also disputed two transactions on my debit card and NFCU does not back you up like other credit unions or banks. Both transactions, which were not legit, went against me. Looking for another credit union....

We started the process in September 2019 and as of October 24th I still can't get an answer on where we are. I have left messages and sent emails only to never hear from someone. I finally tweeted about them and wow somebody I guess monitors the tweeter universe. I have to echo all other complaints I am reading here, they never update you, return calls or let you know what's going on. WORST experience ever, and this is not my first rodeo. I would move on and not deal with these incompetent people. You will waste time and energy trying to get the process over.

Updated on 11/21/2019: This is an update from my previous post on Oct 29, 2019. This has got to be this worst experience of my 52 year life. I wish I had never gone with them but now I am suck until the nightmare ends which now is 80 days. I can’t believe the constant problems I have with this company. It has now been over 90 days and they finally called (miracle) and told me the would close on 22 November 2019 but of course this is NFCU. The next day they called and said they have not gotten the title search back (it has only been 80 days)! If you make the biggest mistakes in your life on I mortgage like I did and go with them please don’t use their third party companies which are as bad as they are in mortgage.

10/28/2019 UPDATE. Well this just gets better and better. Thanks to NFCU and their complete lack of knowledge with the mortgage process I still haven't closed and now it will probably be November. The surprise today was that instead of getting money back at closing (around $19,000) that I would in fact own them money (to the tune of $17,000). The person "helping" me must have forgot to send me an updated loan estimate and sprung this surprise while awaiting clear to close status. Now they are fixing it so I don't owe money. Again don't do mortgage business with NFCU.

Simply put, do NOT and I repeat DO NOT use NFCU for any mortgage services. THEY SUCK HORRIBLY. Their communication is non-existent and the people working in the lending department are the most incompetent group of people I have ever came across. I am not sure how they are allowed to even still operate with the way they do business. I would never recommend their services to anyone. Without going into a full long drawn out explanation of why you shouldn't use them, I will break it down into bullet points:

Why is it so difficult to get a status update from the NFCU lending team? Thanks to a complete lack of communication on their part, our closing date has been delayed for an unknown period of time, and we still don't have an answer on when we can expect to close. We are incurring unexpected storage costs because our belongings were already being packed and loaded onto the moving truck before we ever received any notification that there would be a delay in closing.

With some extra money in hand, I was looking to open a CD account with a good interest rate. NFCU had the best rate that I could find, so I tried to open a share account as a preliminary step. That took nearly two weeks of back-and-forth, as they repeatedly rejected a photocopy of my U.S.passport, via unhelpful form email. I finally found out, from a customer service person that the reason for rejection was that they couldn't see all 4 corners of the passport in the photocopy. Honestly, it was less hassle to get my security clearance in the Navy.

The service with Navy Federal has gone down dramatically. I contacted them a few weeks ago to refinance my VA loan with an IRRRL (Interest Rate Reduction Refinance Loan), which is a VA refinance loan that does not require a credit or income check. So, what is the first thing Navy Federal does? They check my credit report! Then, they send me documents with completely outrageous and unrealistic terms. The recoupment period was 70 months, which means it won't even be guaranteed by the VA because it has to be 36 months or less. The Reps have no idea of Federal regulations and want to argue their ignorance about the subject! Even supervisors don't return calls! I have my original VA loan with them and will move my loan elsewhere with more competent people as SOON AS POSSIBLE!!! My advice is to look elsewhere if you want your VA loan done correctly!

For 17 days I tried to get in contact with my loan officer to increase the loan by $10,000 and make an offer on a home for sale. No response. No email, no phone calls. I made continual efforts to get in contact, and I finally received a response. The response came in the form of informing me my offer had expired, the day they informed me. It's as if Navy Federal is actively avoiding doing business with their customers when dealing with mortgages. I didn't know this was a common complaint or I would never have begun the process with them. I think it's more disrespectful to imply they care about veterans and their families with this level of service.

We had a set closing date. We had all of our paperwork in a week before our set closing date. Then we stopped hearing from our mortgage processing agent, Angela **. We emailed, our realtor emailed, the seller’s realtor emailed - nothing. Finally, the date after the day our closing should have been, she sent an update that said, "If underwriting processes is today then you’ll close in 3 days, if not, you’ll close in 5 days". We have busy schedules and a lease that is about to end. They put us in a very impractical situation and there’s really nothing we can do about it. I would give them negative stars if I could.

I just went through the worst mortgage experience of a lifetime. NFCU process is a very redundant process. You will be asked the same questions over by a series of people that should take note and pass on information. After all, isn't the process about finding out if the inputted information is valid or not? After being a member for 35 plus years and owning 2 homes, I thought I would take the NFCU path. Even after being warned by people who had taken this route. They are not good with given specifics and you have to make contact constantly to stay in the loop. WORST, WORST experience ever as a retired vet. I WOULD NEVER EVER RECOMMEND NFCU TO ANYONE AGAIN!

I am really disappointed with NFCU. Look elsewhere first before doing a mortgage with Navy Federal. #1 They advertise low interest rates but give you a higher rate on your loan. #2 and even worse, they string you along for 2 months or more and can't seem to complete the loan. Hey, if you are denying me, ok, or need something else like a condition, just let me know, BUT "NO"! They keep the loan open and will not communicate to let you know what is going on.

First of all, I'll start off by saying ALL Credit Unions I've had are FAR AND AWAY SUPERIOR to ALL BANKS PERIOD. 7 Years ago I already have my accounts with San Diego County Credit Union for YEARS. Love them, very small local only bank, very friendly people, they're great. 3 years ago, NFCU opened a new Branch near me, my brother & Nephews all bank with NFCU & kept after me to open an account, but I didn't see the point, I was happy with SDCCU, why should I open another account with yet another bank? I also have an online only Capital One 360 account for the past 15 years.

I have been a customer of Navy Federal for over 20 years and have had a mortgage, line of credit, credit and debit cards etc and maintain both checking and savings accounts with Navy Federal. My checking account and savings account balance at the time of this issue was approximately $36,000. My payments have NEVER been late in the past and are usually paid well before the due date.

This isn't a question but more of a statement or complaint. We applied to refinance our home and came in to get our application started, some info had been taken incorrectly and we got an email from Jannet ** so we called her with some questions and we got very frustrated and jannet seemed confused as to what we wanted so she said she would call back. It has been over 2 weeks and we havent heard a word from anyone. I have emailed her with my displeasure and feel that she she could use some training in Customer service and follow up. I will be going on social media with this as well and recommending that people think twice before using NFCU for any loan. You have done us a disservice and although this probably will get swept under the rug, we will be ending our time with your bank as well as both of our kids that are currently serving.

While I am happy with Navy Federal overall, they need people with better attitudes working in their bill pay department. Our account was closed because someone tried to steal from us and apparently, the bill pay section somehow wasn't included in the closing of the account. It wasn't mentioned at the time that we closed the account (last month) nor after (and I even had to call in to ask why the account was still showing up on my side. The agent even verified at that time that the account was closed smh). Today, I get a letter in the mail stating that we owe $50 to the bill pay part of the site. They covered the money for us (we didn't know any of this was even happening because we assumed that the entire account was closed and any dealings with it smh).

I rehabbed a condo with my own personal funds from my IRA couple months ago. Every item in the house was replaced including the floors, kitchen, 3 bathrooms, washer & dryer, AC & heating unit, garage door & opener. The first appraisal came in and Navy underwriter was not happy with the results. They sent another appraiser out to appraise the condo. His appraisal came in higher than the first one which they decided not to use! Navy delayed our closing for 3 additional weeks sending home stats to the appraiser for him to reevaluate his information. The appraiser came back with the same amount so Navy decided not the fund the higher amount because they don't think the condo is worth that amount! As a Navy member, I'm disgusted, I feel their tactics and moral integrity are corrupted. This type of behavior by any financial institution should not be allowed...@navyfcu.org

Beware of this place. They're highly touted among credit seekers with less than stellar credit but if you have decent to good credit they will hard pull you until your score is below average. I decided to open account here when my son went enlisted in the Marines. I applied for a checking line of credit and their platinum card. I was approved for both but ended up with 3 hard pulls for these 2 lines of credit. Mind you I applied for these lines of credit on the same day.

I have the screen shot of depositing $50 CASH in the day of and because it was an ATM deposit they NSF me $29 because I didn't GO INTO the bank!! The drive thru line wrapped around the building and the lobby was full. They are in line with BBT and Wells Fargo!

I have been a member of NFCU for 26 years. I have conducted all of my major banking needs through NFCU to include, 3 mortgages, countless auto loans, equity loans and numerous other financial transactions. I would have given NFCU a 5 star rating up until about a year ago or so ago. I am not sure what is going on with the credit union, however, I can tell you my recent experiences have been horrible; customer service, communication, and processes have became a nightmare.

Called to receive help on a mistake they made and I was on the phone for 45 minutes. They did nothing to help the situation even after I asked to speak to the supervisor. I would not trust them with my money!

ZERO communication regarding Title Request. Increased Interest Rate in nearly a day. 3 requests for Affidavit by local Tax Assessor due to NFCU stamping the WRONG ADDRESS on blank Title. Online portal not in sync with every other record of phone calls that I have made. There was a 2 week delay and now another month with increased Interest Rate by nearly 200$ more due to this wrong doing on NFCU's end. I'm absolutely disgusted and for the first time considering taking my services elsewhere. DO NOT USE! They get worse by the year. So much for my military service and commitment to this Union.

I just want to say we loved Navy Federal Credit Union but the second we applied for a mortgage loan that love turned into hate!!! We are about 2.5 hours away from a home office so we mainly talked on the phone, sent emails then we need to send paperwork. As we start that process our loan guy started not answering our calls or emails. Thought we had everything l in next day we have the same list so we start sending it in. Come to find out they started a whole new loan!!!! Then they said ignore that so we have are relater said we had everything in but thing and that was getting done next week. Then tonight get a email saying all this freaking paperwork is missing again!!!! Not happy. Never again will I use Navy Federal if we lose this house because their communication is terrible!!!!

First of all, let me just say that every other aspect of Navy FCU has been great. However, if you can go anywhere else for a mortgage, do it!!! The initial application process was handled online and went very smoothly. Sadly, once the human processor got involved, my life became a bloody hell. The processor NEVER ONCE communicated problems with the application. The processor NEVER ONCE answered her phone or returned my phone calls. The processor ONLY ONCE, sent an email apologizing for her lack of communication..., and that was over 6 weeks ago.

Myself and my grandmother opened a joint account within aforethought the possibility of using NF services for business transactions. Despite me being joint owner, authorized user and a POA for my 76 year grandmother they wrongfully flagged all our accounts for fraud and had us submit the same documents a dozen of times. They never grant access to management and fail to provide information over the phone. While our accounts remained frozen for a week, they cost us over a 100K because we could not transact as needed. Additionally, they forced my 76 year grandmother to drive 3 hours to the nearest branch to show her id. Can't believe it, a day where we have FB and Skype this institution did this to her. I have filed a BBB complaint, along with an AG complaint. I wouldn't refer a soul to NF from this day forward.

Watch out for this mortgage lender and stay far away! They are unprofessional and do not communicate important information! Our closing on a home was delayed, because they gave less than 24 hour notice of missing items. The loan processor and supervisor did not return our phone calls or emails! Also did not respond to our agent or lawyer! Never experienced such poor service!

Great Bank to deal with... Until you face difficulties. If you ever get laid off, get a reduction in hours, or need to modify your payment ability, you're in TROUBLE. Recently, a member of my household lost a job and later was hired somewhere else permanently. We advised the bank of the circumstances throughout the process. They assured us they'd help. Although they offered extensions, once those first paychecks came, they HAMMERED us. Multiple payments were immediately due back to back. Then they'd seize pocket change without permission. They refused to accommodate us in any way and almost crushed her ability to initially work. Because of this, USAA will be getting my NEXT car loan application. And probably more of my business from here on out once I'm caught up.

I'm a licensed Realtor and have had to work with Navy Federal on a few occasions. They have never done a "good" job, but this current transaction is a nightmare. They missed thousands of dollars in the closing docs that could have cost my client's money. They are very difficult to reach and under educated regarding solutions to simple problems. Avoid them at all costs. This is my 3rd, and worst, experience. Hopefully, it's my last.

NFCU does not have their act together. My husband and I applied for a joint account but they kept emailing wanting more docs for proof of address. We gave them everything on their approved list and more. I called to ask what the problem was and they refused to speak to me cause I wasn't my husband. I told them he's in the military and currently in the ME. They are a total joke.

As a real estate professional, I will be apprehensive in the future to accept a loan through Navy Federal. Several clients have been extremely disappointed using them for a home loan-mortgage. The title says it all! They ask for repeat paperwork, they do not answer calls, they do not communicate with the client/buyer, nor the title co, atty offices, or the real estate broker/agent. Sub-par is an understatement. Frustrating and should be avoided unless you like guessing and waiting until last minute if the loan will close or not! There are much better choices of lenders out there. Veterans, do your homework before choosing this company! A whole lot of frustration, even if you have a shining high credit score. Shameful and disrespectful to our vets. Buyer/Mortgage shopper beware!

As a realtor who works with dozens of mortgage lenders each year, I have to say that my recent transaction that closed today with Navy Federal Mortgage was one of the worst transactions I’ve experienced in 14 years. There was a complete lack of responsiveness and communication on the part of the loan originator, loan processor and management. The transaction was delayed more than once and the loan team didn’t seem to have any sense of urgency. Customer relations was pitiful. There are MANY great lenders who have loan products for veterans. Do yourself a service and utilize one of the other companies that actually care about meeting deadlines and taking care of their buyer clients.

I joined NFCU in 1987. In my 32 years of using this credit union, this recent experience is the worst I've had dealing with "any" financial institution in my entire adult life. We applied for a mortgage refinance to pull cash out from our existing VA home loan. We applied for this loan on July 8, 2019. We just got an email letting us know we will close on September 6, 2019. Our first Mortgage processor was horrible at communication whether by phone or email. I had to call customer service several time to reach a supervisor before I got a response in the first two weeks from this processor. The assigned processor's poor customer service continued through the first month and was finally replaced after my last complaint by a more "seasoned" processor. With the new processor we had to resubmit several time-sensitive documents again, which further delayed the overall process.

My husband and I are members of Navy Federal Credit Union. We have sent them multiple times the attached SSA-89 form request by Navy Fed in conjunction with other documents. My husband online account has been blocked since July-29, we went to their office located on 2699 Roosevelt Blvd Clearwater, FL 33760, on August 3rd and provided 2 statements. 1 from Spectrum and the other from Sprint, we also provided evidence of driver's license, including the SSA-89 form which was signed on that same date.

Last month over 1,000.00 was taken from my checking account. While on the phone with the fraud department the operator informed me that at that very moment 4500.00 was being taken. Over the recorded line I told her that this was not authorized. She had my checking account closed and issued me a new checking account number. I filed a police report soon after. 10 days later I received an email from NFCU stating that my claim was denied after a thorough investigation and that I was responsible for the nearly 5500.00. I called the investigator, David, four times (and documented those times in my rebuttal letter) and never got a call back. I sent my IP address to them and I questioned whether this "thorough investigation" involved actually checking the sender's IP address as well as whether they listened to my voice conversation at the time of incident stating that the charges were fraudulent.

As a military veteran, I have to say that I've enjoyed my banking time with both Navy Federal CU (NFCU) and USAA Bank for their online resources specific to a not-so-small segment of the population that is often misunderstood and stereotyped by the general population and by social media. We are also 2x as likely to have data breach incidents and identity theft than civilians, from independent studies. What both NFCU and USAA have provided me are less headaches, stress and anxiety, and stomach ulcers from banks and credit unions that "claim" they wish to honor service-members, retirees, dependents and survivors, and veterans. Most will say the same about emergency services and their sacrifices as well.

Have been with Navy CU since 2013. We opened an account for our daughter before she joined college three weeks ago. We went to the main branch in Vienna, VA and provided original passport, SS card, University ID card and DoD orders. Our daughter was provided with an ATM debit card on the spot and was told that all was fine. When she tried to use the ATM card it was declined. We called them only to be told that we were missing an IRS form which we provided. Then the card was declined again. We stopped by the branch only to be told that they were missing proof of ID, proof of address and SS number which we did provide again. Then we were told that the account was flagged by their fraud department because our daughter's address was different than ours.

I contacted NFCU and inquiring about refinancing my home loan. I was assigned to a “Mortgage Processor", I provided all documents they requested and told they are working on my application. I waited a for a month and I did not hear anything from the “Mortgage Processor". I contacted them again and asked about the status of my application, the “Mortgage Processor" replied “Approval letter has been sent out”. I waited another 30 days and I did not hear back from them again.

I was very displeased with the service provided by Navy Federal. It was hard to get ahold of my refinancing team members. I would leave voicemails and send emails. They were terrible at returning messages. When my loan was transferred to the 2nd half of the process the same thing happened but even worse. It would take a week or two for them to get back with me. Finally after 4 months of trying to deal with this company I decided to pull out and go with another company. I had cc'd the supervisors with no response as well. After I decided not to use this Navy Federal anymore a supervisor contacted me. I asked her how long it usually takes to get a refinancing complete and she told me 45-60 days. I then asked her why after 4 months are we still in the process. She could not answer. If you want horrible customer service then stick with Navy Federal. I went with Veterans United and from start to finish it took 3 1/2 weeks to close.

Convenient, trustworthy, and reliable. I have been with them for 25 years. Whether it was a mortgage, car loans, or investments they can be counted on for fast, confident services. No matter what time of day they are there with the help you need. With many convenient locations or by email or phone they are there to assist.

I applied for a home equity loan. Prior to do so and to ensure we did not waste our time or others’ time and to avoid paying for credit reports for nothing, I advised the representative what our credit scores were and asked if that met the minimum to apply for Navy Federal’s Home Equity Loan. The associate assured me there was no minimum. We went through a 2 week process of research and filling out and submitting documents and paid for two credit reports. I waited about a week, and, when I did not hear anything, I called and inquired and was transferred to “Molly”, a processor. She advised we were declined. I asked why, and she stated in a demeaning way, “Your credit score is 537.” Her tone clearly presented her prejudice against that score.

So Navy Federal sent me an offer of a $200.00 bonus if I would refinance my auto loan through them. Well after 2 hours on the phone and a credit check they were willing to up my rate, shorten the length of my loan, raise the amount of my payments and would not send the pay off directly to the bank who I already had my loan with. Thanks Navy Federal for wasting my time and dinging my credit. I will never go back and put myself through that again. I would suggest you save yourself some headache and look elsewhere. I rate them at minus 3 stars!!! And two thumbs down.

I have been a member for over 50 years but only seriously began using their online services about 15 years ago. I began using them again when many of the traditional community banks were getting gobbled up by the larger ones and I was looking for some stability in my banking relationship. They are a terrific banking option. With competitive rates and dedicated representatives. Also very importantly, they have human reps that you can call for answers.

I have done many mortgages in my life. I have perfect credit and strong finances. This is by far the worse. Already past the closing date with no date in sight. They keep saying they are working "hard." This is my first and last mortgage with Navy Federal. They leave everything to the last minute and then they try to blame it on you. They had two people working my mortgage. Very confusing. I will send documents to one and the other person will ask me for the same documents telling me that haven't received. You call them and email them in advance and they tell you that everything is in order and they have everything they need. Few days before closing is a rush and they start using "potential delay". They know from day one that they are going to be late. They are overworked. Do not recommend. Do not waste your time. Breaching a contract can cost you!

Navy Federal Credit Union is BAR NONE the best financial institution out there. They offer so many services and their customer service is beyond reproach. I have been with them for around 30 years and they have been there for me in so many instances. I will never leave them!!!

Navy Federal is a great app one bank. Zero technical difficulties in my first 2 years with them. When I have had to call them, the customer service people are all friendly, patient and knowledgeable. I highly recommend this credit union!

I have been with Navy Fed since 2002 and at first they were easy to work with, always helpful, and considerate. The last six or so years that has changed, that was about the time I moved my banking over to USAA. The latest experience was getting a mortgage when the Navy moved us from Virginia to California. We shopped around for possible lenders and chose Navy Fed for ease of access. There were moments through the process that was very frustrating and our Mortgage specialist was on the edge of rude but we got our loan completed. We had no problems again until June when we went to refinance the loan to drop the rate. We went with Navy Fed again because it was supposed to be a simple IRRL, this couldn’t be farther from the truth.

2 weeks ago applied for a mortgage online, the loan officer called us once only to ask how we preferred to be contacted. She emailed 5 days later after numerous phone calls trying to connect with her verifying the loan amount. We had a lot more information to add to the application but they don't even call us to give us any update or respond to requests at all!!!! This was 18 days ago!! WTF! I was a loan officer for 10 years. I have never felt so unimportant in my entire life. If I could give them negative 10 stars it would not be enough. I will be taking my money out ASAP.

Everything you need in a single process, includes gap protection. The process takes minutes and is very painless. I think I waited longer to see the loan officer then the process. I'm sure if I needed to the process could be done on my phone too.

Getting the loan was excellent, and I had a great experience with them. Maintaining credit with customer service is okay. Customer service needs to be friendly and understanding. Other than that getting, the loan was impressive and I enjoy the process.

In May 2019, after reviewing rates, I decided to apply for a VA mortgage with Navy Federal Credit Union. I submitted everything that was required per information on their website and I received pre-approval in a very short period of time. My loan officer was Ms. ** and she was phenomenal, she contacted me a couple of times to verify some information, and once she had everything in order, passed my information to the loan processor, Mr. **. He immediately contacted me and explained where I was in the process (awaiting VA appraisal and titling). He also told me that Ms. ** had done an outstanding job of preparing my loan packet and he was sending it for the first review.

I went to this branch because it is close to my work and should be convenient. My transmission blew so I took money out of my fidelity account to cover it and some other bills I had. They sent a check and on 7/10 I went into the branch to deposit it thinking as a customer in good standings it shouldn’t be an issue. I was not informed until after the deposit that it was placed on a 5 day business hold and as I was told there is nothing they can do about it. I called the bank numerous times over the next 3 days because I have never had this happen before and was told it wasn’t mandatory, the branch manager could release it and if I had used the ATM it would have been on hold for only 2-days. I ended up having to rent a vehicle and pay storage fees while my FIXED truck sat at the repair shop while I waited for this to clear.

Would like to say this without a doubt is the best bank I have ever dealt with. Never had a issue cashing a check, unlike with some banks that charge fees. Always friendly and helpful employees. Now that I bank with them the whole banking experience is even better. NFCU tries really hard to make your banking experience easy as can be.

Navy Federal Credit Union has very competitive loan, rates based on your credit score, and do not try to gouge you. Also, they do not have hidden fees. Best of all, they have a no-nonsense, streamlined loan process and can respond to your request quickly.

So, I was getting things talked out with a security on phone. Can I say...they need to stop being rude and start being a little nicer. Oh!! AND a bank teller lady can use a smile too. Get more people who is nicer and not a you know what! Thanks!

Quick, fast, efficient and informative info on options. Offered car selections to purchase also. Less confusion from previous car buys. Loan specialists were very helpful on weighing costs of a new versus used cars and also had option to purchase and have delivered cars from out of state.

I have had great experiences with Navy Federal in the past. I have been a long time customer of about 13 years and usually it's my first choice for loans. However customer service in many departments and rates have been suffering quite a bit recently. I was in the process or purchasing my next home (4th home purchase in 7 years, so I am not new to the experience). I sat down with an agent to submit my mortgage application without shopping around as I have had great rates in the past. With an 800 credit score I was approved for a loan at 4.8% interest for a conventional loan no money down. I thought great, I didn't even bother to shop around. I get an approved offer in on a house and submit all my documents required for loan approval etc (income, W-2's, rental income, asset statements, etc) all within 24 hours.

I've a great understanding how this company rates the value of needs and services it can provide for me. Therefore I trust their quality of personal care and fair rates. I would go with this loan institution first consideration then see others last.

I have been a member of NFCU since 1974. In the last year the website has been down more than in the previous 40 years. Lack of sound management practices leaves us members trying to visit our accounts in a quandary. How can this happen in today's world? We are flying faster than the plane we are riding. Right now, 6 JUL 2019 at 0933 hrs MST, the website is down again. Tried the backup site, and it denies access also. Anyone that understands this knows the system, outside of the web, is robust and running fine. Call them, and they have access to everything, while you don't.

I came to NFCU because I heard so many reviews of how 'good' they are and how they really work with their members. I am a 100% disabled Air Force veteran and I can honestly say that has not been my experience. Now that I look back at who was telling me these great things, none of them were veterans. Only 1 was an active duty member and the rest were 'family' of a member.

I was just on the phone for 1 hour and 6 hours and with Navy Federal. I spoke with 4 people, the last I spoke with being Becky on the phone (a supervisor). It was the most horrible phone call of my life. She was awful, verbally abusive, and after that phone call I want to crawl into a hole and die. She was unable to help me, interrupted me repeatedly, raised her voice, blatantly lied about the previous representatives had said, claimed I was lying after I told her what the last two representatives said (check the tapes of the conversation for proof), refused to provide any real help or support, threatened me, refused to allow me to speak with anyone else, refused to close my Navy Federal account, and told me to call back because she refused to speak with me. Becky was by far the worst customer service representative I have ever encountered and top 3 worst human being I’ve ever encountered.

I have submitted two separate mortgage applications through NFCU and each time I have experienced the same issues. In order to get pre-approved for a home mortgage they require you to complete a mortgage application and throughout the process it is impossible to get in touch with the loan officer. I have have been with NFCU for over a decade and have had a great experience with every other department so I assumed that their mortgage department was the same; however, I couldn’t have been more wrong.

Locked out of my account several times and when I call to regain access to my own account they were unable to help and extremely rude about it. Any question I asked was prompted with a rude response and the agent was getting angry at me for not understanding why I couldn't get access to my own account. Then I was told that I would have to fax over the information that I had just provided her with (such as my SSN) to gain access to my account which will take 5-10 business days. Until then I do not have access to my money. When I asked the operator to stop getting mad at me for answering question she claimed she was just being direct and assertive. Horrible experience. Very rude. Constantly locked out of my account.

Was a member of NFCU just over a year - I joined for the convenience as there's a branch near me. We applied for a Home Equity loan to do our 20 yo roof but our handler told us that a missing shingle found during the appraisal would prevent the loan approval! It's approval would be contingent on our having the roof repaired first. She explained that she was trying to save us the cost of a full appraisal since it would now be required(?!), but that she wasn't going to allow us to proceed. Her logic was that we should spend thousands up front to preclude the need for a full appraisal & it's fee. When I pointed out the difficulty involved, she confessed to not knowing "the ins and outs" of the process. I was stunned. BTW USAA does not offer Home Eq' or HELOCs, and the home and our credit are in otherwise great shape. I had no problem getting a loan elsewhere.

Navy Federal Credit Union highlights one of the key benefit to enrolling in its premium Flagship Reward Credit Card is its "cellphone protection." The efforts, the hoops, the impediments/obstacles to collecting on this benefit borders on the absurd--from its website, customer service, emails, duplicative submissions, multiple phone calls--all for the possibility at the end to collect $200 for a damaged iPhone cellphone. Frankly, it is a complete waste of time, which, I believe, is part of the process.

Company refuses to provide written details of interest rate offers, bait and switch tactics, all done over the phone without paperwork... One week before home closing they request paperwork - change the interest rate - and then send fraudulent information to all parties involved.

I applied for an auto loan online - the process was fast, but there were a couple of things that went very wrong! 1. The auto draft payments box, had to be selected in order to proceed, fine no problem with that- until; the 1st payment was deducted before it was due, then i got a notice that my first payment was late?! It took me 4 uncomfortable conversations with people who talk to you, without care, and rude, because their only objective is to get you off the phone! To finally get my auto loan draft to draft accordingly; half every 14 days opposed to full payments every other week! 2. I also checked the box for GAP insurance, I thought it to be an intelligent move to protect the loan, my investment. I found out 2 months later after reviewing my account online, which by the way is not transparent at all, compared to other financial institutions I transact business with, that I did NOT have GAP insurance!

Every person in customer service through the phone is rude and refuse to care about the customer. I regret ever opening a bank here. They are the worst and I will never deal with this type of unprofessional behavior again.

I joined NFCU because I'd heard a few good things and wanted to avoid other big banks. Since joining in 2014, my experience has largely been garbage. USAA has been my main bank since 2008 and I will continue to use them and a local credit union instead. My biggest issue lies with their transaction timelines. Transactions are not posted immediately or even in a timely manner (24 hours and upwards, no postings on the weekends) and because of this I frequently overdraft my account when I use it, believing that the posted balance is what I have to work with, when in reality there can be multiple transactions "pending" that are nowhere to be seen from account management.

I was trying to apply for a membership with NF and they screwed up my entire application 3x. I am a military spouse and sent in all the documents they asked for and got an email that said, "Thank you for sending the documents. Takes 3-5 days to review." So I waited and called them again to check on the status on day 5 and was told documents were still missing even though I sent them. I did this process 3x. Finally called again after I got an email last Tuesday (1 week ago today) saying membership pending to check on the application status. The lady told me once again missing paperwork even though like before I sent in my military ID and vehicle registration. She told me, "Sorry you have to redo it" because it got denied the first time due to the representative not doing something right on my application.

Navy Federal used to pay military up to 3 days in advance. Now they don't, I used to deposit checks using the app and in the branch and the money would be available right at the moment. Now they are available 3 days after. Only reason I still use it is to transfer money to my online banking which gives me a better interest rate.

Unauthorized card charge with photos to Navy Federal showing what I was trying to explain about an unauthorized transaction made to my account just because I use my checking account to make past payments as (one time payment). Prior to the transaction I had already deleted my account from the other bank and they still used my account without authorization using the payment history, so we call the bank that made the transaction and they blatantly said, "Yes we used your account because it was in the history but yes appear that you had deleted" and that they sorry but could not return the money and blah blah.

So in March of 2019 I applied for a loan (auto), and it was approved. 24.5 @ 7.4%. Not too shabby. I go to the dealer which was out of state from me, so safe to say I planned on driving my car home. Get to the dealership to find out Navy Federal will only provide a fax saying your loan is approved, until a hard copy is generated. I wasn’t told this until I got to the dealership so I’m kinda stuck now. So I the rep wasn’t able to help me there. So I finance through Capital One (idk why, I’ll take blame for that) 22.2@10.11%. Mind you I’m still waiting on my NFCU check to come. So I get the car. No worries. Car is great. Even got extended warranty with the price.

I have been a member of NFCU for almost 10 years. I have always been satisfied with their customer service and as far as the agents I spoke to in regards to this issue were very understanding and helpful, but still didn't get me anywhere. I had performed a service for someone and they wrote me a "Cashier's Check" for $1850. My thought was, a cashier check was pretty safe to accept and I had no reason to believe my clients would stiff me. Because I live over 100 miles from a branch office, I always used mobile deposits. It was great! My deposits were usually approved within a couple of days. Therefore I deposited this check using mobile deposit. Of course due to the amount, I was initially credited for $200 until the remaining amount could be verified.

I assumed what was a joint mortgage. First they totally lied about how much it would cost by a factor of ten. Two the loan officer was incompetent; at the conclusion there was still a form he forgot to include. Three, a simple assumption took five months because, and my loan officer told me this, refinance is a higher priority than loan assumptions. They did have the lowest rate of any bank but because they were so slow they messed up my taxes. I would only use them from Jan to April.

Best mortgage I have ever had and I have had several. Great company all the way and they don’t sell your mortgage. Excellent service, rates and options. A really good experience. The company is only open to military and veterans.

From the first day I spoke with Reece ** I knew this wouldn't be a pleasant experience. He was very monotone and acted as if he could care less. My husband told him to call me at 5pm, he didn't call until almost 5:30pm. He either takes forever to respond to emails or he doesn't respond at all. My husband sent him a couple emails and he never responded until I began to email him and call. When I told him we didn't receive a response he showed ZERO remorse and obviously didn't care. Reece really lacks customer service. I understand he may not like his job, but the customer should never feel that.

We jumped through hoops to apply for a mortgage with Navy Federal because we were told by friends that they have great rates. Had to pay $5 to open an account and become a member before we could even start the mortgage application process. They have you fill everything out, and then buried in tiny text at the very end is a disclaimer that they charge you $18.95 per person to run your credit.

I have been back and forth with this bank in regards their practices of fees. They would charge fees twice for a same transaction. I also bank with Chase who does not have these practices. I switched back to Chase after experiencing this issue with NFCU. I was told that it was good to bank with a credit union, however, this was not my experience with NFCU. Their charges are lower than other banks but they add up significantly. I personally believe that this "military" bank is not here for us. I would recommend anyone to look for other options out there.

I've used NFCU as my bank for as long as I can remember and have always had an amazing experience with them. The best customer service and services out there! Except when it came time for me to purchase my first home, and my loan officer was Eliana **. There was not one situation in which they were responsive, prompt, or on time. For each step of the process, I found myself having to leave multiple voicemails and emails each day, and not hearing back until the end of the week. This became such an issue that I was charged in TWO different scenarios to amend my contract to close on the house because Eliana didn't initiate my appraisal when she said she would (it wasn't even the same week).

Extremely disappointed with how they treated their member who was unhappy. I never have to call for customer service but in this rare occasion I called and Jessica completely dropped the ball on this one and just based on that experience I will be closing my account with Navy Federal.

Updated on 04/26/2019: I was advised by NFCU to consider having OOPS, during the chaos of having my account confiscated on February 15th. This action caused delay on my bills with late fees added on. Yes, NFCU granted me credit but taken back when my account was already in the negative and after a plea to pay in full just a couple of days later. I can not purchase anything with a negative balance but yet they went beyond reach to draft the credit; which made the negative account balance larger. As insisted by NFCU, on April 22nd I called before noon for the OOPs, Get a message on April 24th that it was declined because of a negative balance. Why am I still dealing with this bank? I was laid off from Wachovia before Wells Fargo taken over, I have over 16 years of banking experience. I thought being with a CU would be better, I am wrong and been with them too long!

I wanted to know if a lien against my home would disqualify for a 10.1 ARM. The home is worth 1000000 (one million) recent appraisal. The loan is 350,000 and the lien is 150000. They said no problem... Then they did a 180 and said we don't know. It's a rule isnt it? Why is it so hard to decipher their own rules?

I have been with Navy Federal for over two years. I opened a checking and saving account. I went to this bank because my daughter served in army. I had another bank I figure I give this bank a try. Well why did I do that I get paid every week. So on this past week which was 4/4/2019 I goes to check my account and it stated I was overdrawn by 100.00 so I called the representative that suppose to supervisor. He answered the phone very nasty and ignorant. As of 04/04/19 I will not let any of my money go into this account.

I have been a member with Navy Federal since 1999. It is now 2019. From February to March I've made nearly $9,000 in transactions. Normally there wouldn't be a glitch in any way, especially with Navy Federal. As of recent Navy Federal has been losing my money as well as incorrectly transcribing deposits. I'm not upset about the money aspect, but I'm very hurt that I can no longer trust Navy Federal with my money, which is =, to my time, = my life. I miss the old you Navy Federal and I'm an idiot for trusting any organization. If you value the money you earned I'd recommend staying away from Navy Federal.

The overall handling of the application process fail to meet my high standards. The appraisal was a racist. Entered my home, would not except upgrades nor would he look at blueprints of the home. Comparable so we're not nowhere in the same built as my home. He conducted a shady job just to get paid.

I have been a member for about 13years. I had good experiences when I first joined but it has gone way downhill. I filed a dispute for products that I paid for and never received. In November. In December I was given a credit for $600, which is the amount I was disputing. I sent messages with documents and details... never got a response. I called almost daily to get an update and no one ever knew. I was transferred in circles and had to explain everything over and over again. I went into a beach to try to figure out something and was told oh yeah that sounds like fraud so call the fraud department, we can't help you. Then I randomly get a letter in the mail saying my case was closed... out of nowhere!

I make my 400 CC payment just to turn around to see another $100 added back on top of the payment I just made. It's like I'm not even making a payment at all and getting $100 added on to my balance every month!!! RUN RUN RUNNN!!! NEVER AGAIN!!!

I have been a member of NFCU for many years. When I first joined, they had an amazing team. I don't know if someone new has taken over or what, but their customer service skills and overall caring has gone down the toilet. I have two loans with them: one for my vehicle and one for dental work. Due to financial hardships, I have fallen behind in paying them, but I have been slowly pulling out of the hole. Unfortunately, they do not seem to care about all this and have pulled any and all deposits I get in the last month to apply towards the loans. I completely understand they need to be paid, and I'm not objecting to that. What I AM objecting to is as follows.

Everyone grab your popcorn, candy, and drinks. This is about to get juicy! I have been a customer with Navy Federal for several years and I will say they were nice in the beginning. I don't keep a balance on my cards and keep my utilization under %10 so when I requested a credit limit increase I was declined. I called to see why they decline me and they gave me the runaround and were rude. Anyway I am not using any of my cards with them only once or twice a year so it looks good on my credit report.

I applied for Navy Federal Credit Union membership online on Feb 21, 2018 and wanted to open a traditional IRA, by transferring the account to them from another custodian, and then purchase their current IRA Special 5 year cd with APY 3.75%. I am age 87 and do not know how to supply the additional required documents including me and my wife's drivers licenses and a utility bill with our address, using the secure email that they sent to me, which I explained to them. They could not show me how to do it using my iPhone to take photos of the items and then send them by the secure email. After 45 minutes on the phone with them. They then told me to fax the items to them and gave me their long distance fax number, which I verified twice, I then went to Staples, which I have used for long distance faxing many times over the last 10 years. Staples gave me a confirmation receipt.

I received a car loan from them. I went to purchase a car, turned over the check. I immediately realized that my husband and I was scammed by the dealership. We called Navy Federal to see if they can stop the check. They told us they gave their word to scam artist and they have to uphold it. So now 11,000 later, the scam artist is gone with our money. We have no car and all Navy care about is sending me a 1000 letter of when my first payment is due. Every one win but their actually client.

NFCU is the worse! They just stole $216 from my accounts. I called in to see why my accounts had zero balances and was told by a rep that the transferred were completed through the mobile app and they had no idea where the fund were transferred to. I made no transactions through the mobile app so I knew that was a LIE. The rep then informed me the only way to stop the money from being moved was to have "whoever" made the transactions on the mobile app reverse them... ANOTHER LIE!!! I called back to speak with a supervisor who was no freaking help at all!! I will be closing all of my accounts with this shady bank!!! I have never been robbed with my in my life by a bank until NFCU! They are horrible!

Last week we received our $5,800 tax money and on the same day it showed a $4,000 transfer to a credit card. We had no idea what and how this was possible because we did not do it. I call the bank in the evening to find out where did all our money go and the women said the credit card department took it to put towards our debt back 4yrs ago with them. We said how is that possible when we did not even agree to it. Well, she said to call the credit card dept. in the morning at 10mn (which we did right at 10 am). The women who picked up the phone was nasty right off the rip and all she said was she was going to put us on hold so I knew immediately who we were going to deal with once she came back.

Let me just say, NOT much difference in "For edeposit only" and "For deposit only". Wow, just wow! Because I didn't put the small little e before the word deposit they REJECTED the deposit!!! I have NEVER had a bank treat this before this way. USAA, no problem. Randolph Brooks CU, no problem. NFCU, petty BS!!! Since this may lead to a delay in funds available as they waited 24 hours to tell me, and now have to wait another 48 hours, it will lead to possible NSF. This is crazy. Time to close their account and take ALL my business elsewhere.

The worst service I have ever experienced with a checking account. I was given wrong information twice by the same person. I signed 3 of my siblings up under me with 2 of them signing up online via a join now icon that promised they and their sponsor would receive $25. Well, one of my siblings received the $25 but they are denying me as the sponsor the $25 and they are denying my other sibling her $25. We had to call 5 times to finally get it resolved. I will not be referring anyone else to them because they lie and are not people of integrity.

The reps who assisted me for THREE days in this process, while nice, were VERY uneducated in the actual processes. They advised me through steps that were wrong, and greatly damaged not only myself, but my cosigner. So I just didn't get screwed, they did as well, which breaks my heart and infuriated me more than anything. And their flippant responses to that are the reason I will never give them another dime. And I find out later, after being "approved" already for a loan amount, that I actually WASN'T because they make offers BEFORE they EVER look at your actual report, and are "still subject to denial", then WHY OFFER ANYTHING UNTIL YOU HAVE ALL THE INFO FOR A DECISION??!!

I opened up a credit card with them some time ago. It was great. Then I asked for an increase and that was great as well. Well due to life’s bad choices I had to consolidate some credit card bills through Freedom Financial. In order to negotiate you have to stop paying on your credit cards. Through that process of course you’ll tag on the late fees and become delinquent then begins the calling from the creditors. We are told not to answer and to let Freedom Direct handle it. Little did I know Navy Federal transferred money I had in my savings towards the credit card bill. Luckily it was only $32 at first and then another $10. By the time I realized what was going I had one more ACH pending. I went to my mypay and stopped the deposit. I hope USAA doesn’t do the same. I do not know if it’s in their disclosure or not but please be careful when considering a credit card through NAVY Federal.

Navy Federal used to look out for its members, pending deposits would show up and remain the day before, pending credits would be posted all the time. Within the last year or so they have changed how the checking tracked. The worst thing is, now I am sitting here at 0700 and am expecting deposits in total of $10,000 from my salary & Yearly bonus and they show my account having been unchanged from yesterday to today. Seriously considering switching banks after being a 13 years customer!

They stole almost $300 from my savings account and refuse to acknowledge it. They are thieves of the worst kind and I wouldn’t recommend anyone to bank with them. The customer service is terrible. Expect to be swindled.

They take money from you. They been stealing money from me and I'm just finding out 2/20/19. Getting a lawyer and I know I'm not the only one that this has been happening to. MORE PEOPLE NEED TO STEP UP AND SAY SOMETHING. THIS IS NOT THE ONLY BANK THAT HAVE STOLEN MONEY FROM CUSTOMERS. I didn't wanna give you guys any stars.